Charles W. Davisdaviscw@earthlink.net

1454 Piedras Parkway, Fenton, MO 63026314-541-4749 (cell) 636-225-3441 (hm)

Summary of Qualifications

● Highly skilled financial professional with thirty-four years of corporate finance experience.

● Cited repeatedly for quick understanding and resolution of difficult situations.● Leads effectively without direction.● Creates consensus among financial variables and competing priorities.

Professional Experience

United Bank of UnionSenior Vice PresidentUnion, Missouri. January 2011 to present.

Responsible for underwriting and monitoring the loan portfolio. Review update loan policies and procedures of the bank. Manage the loan approval process. Prepare and present various reports to the Board of Directors. Sit as a member of the Executive Committee, Audit Committee and ALCO Committee as part of senior management.

Federal Deposit Insurance Corporation (“FDIC”)Loan Review Specialist, Division of Supervision and Consumer ProtectionSt. Louis, Missouri. August 2009 to January 2011.

Reviewed direct and participated loans of all sizes as well as other bank assets in conjunction with bank examinations. Loan types included commercial and industrial, real estate development, home and commercial builders, investment property, and agriculture. Discussed with management of the findings and observations during the exam and at exit meetings..

LGD, L.L.C., St. Louis, Missouri. February 2009 to July 2009.

A financial professional contracted to resolve problem loans, manage properties and work with clients to mitigate issues. Managed over one hundred and fifty rental units and houses. Brought to resolution disputes between property owners and large tenants. Advised a number of company owners in various financial matters including their banking relationships.

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The PrivateBank, St. Louis, Missouri. Managing Director and Chief Credit Officer. 2003 to March 2008.

Served as Chief Credit Officer with duties that included underwriting and monitoring a portfolio of 1,200+ loans with an outstanding balance of $428,000,000. Managed the Loan Service area for production and reporting with a staff of seven. Formed a Credit Service Group with three officers. Decisioned loans in offices opened in Milwaukee, WI and Kansas City, MO under the St. Louis Bank Charter. Member or the due diligence team reviewing potential bank acquisitions throughout the United States. Other duties involved interaction with the Office of Thrift Supervision in conjunction with examinations, the opening of offices in Kansas City and Milwaukee, and other matters. Prepared and improved reporting that resulted in an increase in borrowings from the Federal Home Loan Bank, Des Moines. Prepared and presented credit and portfolio issues at Board Meetings.

Boatmen’s Bank 1986 to 1996; Acquired by Bank of America, N.A. 1996 to 2002. St. Louis, Missouri. Various leadership positions with demonstrating increasing levels of responsibility as outlined below:

Senior Portfolio Manager – Strategic Solutions, Inc. (Commercial Special Assets of Bank of America, N.A.) January 2001 to December 2002.

Managed and advised a portfolio of $100,000,000 in troubled debt. Worked with clients to analyze business plans and operations, formulate and execute action plans to either rehabilitate or remove credits from the bank. Transactions ranged from $1,000,000 facilities to multi-bank $283,000,000 syndicated transactions.

Credit Risk Manager – (Bank of America, N.A.). November 1997 to December 2000.

Directed the approval process of Commercial Banking Groups by approving and monitoring loan and deposit portfolios, with a loan portfolio in excess of $1 billion. Executed complex financial transactions being responsive to market need for creativity and expediency.

● Credited with improving the credit culture of the Banking Groups teams.● Directed the establishment of the Asset Based Lending Services unit in the Lower

Midwest Commercial Bank.● Directed the consolidation of Farm Service Agency guarantees credits to a central

environment creating efficiencies an improving productivity.● Participated in the research and preparation of a lending strategy on a national

level for a specific industry segment.

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Corporate Banking Experience – (Bank of America, N.A.). 1986 to 1997.

● Special Asset Officer.● Corporate Banking Manager.● Bank Lender dealing directly with clients bringing in new business and cross

selling into existing relationships

First Banks; fka First Missouri Banks – 1980 to 1986.

● Commercial Banking Officer.● Branch Manager.● Installment Loan Manager.● Collection Manager.

Education / Specialized Training

St. Louis University – Bachelor of Science in Business Administration 1981The National Commercial Lending School – University of Oklahoma 1988Various leadership, sales, negotiation and lending courses.

Civic and Other Professional Activities

Current Positions: Board Member – Meramec Electric Products Co., Inc.- Cuba, MO.St. Louis Chapter Risk Management Association (RMA) Immediate past President.Advisory Board Member – Active Marketing Group- O’ Fallon, MO.

Past Board Positions:Board Member of the St. Louis Business Development Fund. Loan Committee of the St. Louis County Economic Council (SBA 504 lending approval).St. Louis County Banker’s Advisory Board.Board Member of the St. Louis Affiliate of the American Heart Association.Chairman – American Heart Association, St. Louis Affiliate 1997- 2000. Chairman of the Heartland Affiliate (six states) of The American Heart Association- Revenue Generation Committee.

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